HDFC Bank Millennia Debit Card & It's Benefits ❤️🔥

[D₹V]

Charges: 500 + GST.



Benefits:
• 5% cashback on PayZapp or Smartbuy
• 2.5% cashback on shopping i.e. on Flipkart, Amazon etc
• 1% on other transactions i.e. wallet loads, credit card payments etc
• Total rewards is capped at 400 RP/month
• Bonus - 5% cashback upto 1000 on Gift Vouchers purchase via Smartbuy per month. P.s. Smartbuy has introduced 2.5% & 3.25% + GST on ASV & AGV respectively.
• Cashback will be credited in 4 month after the transaction (i.e. 90 days), you can redeem via HDFC netbanking.
• You can get rewards worth ₹16,800 annually.



How to milk the benefits?
• If you use it on smartbuy only then 5% upto 400 (card benefits) + 5% upto 1000 (smartbuy bonus), total 1400 RP/month you'll be getting. Since Smartbuy charging convenience fees on AGV & ASV, better to buy Flipkart GV without convenience fee on smartbuy.
• For example, if you buy Flipkart GV worth 8k via Smartbuy with Millennia DC, you'll get 400 + 400 = 800 cashback, meaning 10% cashback on Flipkart GV.
• In another example, if you buy worth 20k, you'll get 1400 cashback, meaning 7% cashback on Flipkart GV. So buy accordingly as per your needs.
• If you use Millennia DC for 40k CC Payments worth 40k via Mobikwik, Paytm etc only, then 1% upto 400 cap will be over & you'll get 5% cashback upto 1000 if you purchase any GV via Smartbuy now.

Hope you've understood the benefits & enjoy the rewards ❤️. Ask if any query.

 

[NShah]

Thanks for this thread to OP Ji
Newspaper ki jagah ye padhne mai maja aara
Will soon open HDFC account for this card
Just one quick question😅
Suppose I open HDFC digisave and get millennia

Can I just load 40k on 1st of every month in amajon pay wallet and get 400 every month
Will that work???

Y e s
Cc bill payment aslo work

 

[D₹V]

Suppose I open HDFC digisave and get millennia

Yes, possible

Can I just load 40k on 1st of every month in amajon pay wallet and get 400 every month
Will that work???

Yes, you can load on slice or other apps too

 

[Anil_Singh]

Thanks for this thread to OP Ji
Newspaper ki jagah ye padhne mai maja aara
Will soon open HDFC account for this card
Just one quick question😅
Suppose I open HDFC digisave and get millennia

Can I just load 40k on 1st of every month in amajon pay wallet and get 400 every month
Will that work???

Take it slow. Your Amazon account will also get limited to 25k per month via debit card.

 

[Vasuki]

Thanks for this thread to OP Ji
Newspaper ki jagah ye padhne mai maja aara
Will soon open HDFC account for this card
Just one quick question😅
Suppose I open HDFC digisave and get millennia

Can I just load 40k on 1st of every month in amajon pay wallet and get 400 every month
Will that work???

Yes
Yes &
Ofcourse it will work

 

[Tejo]

Yes, you can load on slice or other apps too

For you slice showing, dc option ?

 

[D₹V]

For you slice showing, dc option ?

Yes 🖐️ but I never abuse 🤭.

 

[doraemon]

Yes 🖐️ but I never abuse 🤭.

I called HDFC cc and they told that if you open digisave you will get money back only
As i say I don't need money-back

(I want to get 400 wali pension)
They say u will have to open classic for that

Can anyone confirm what card I will get with digisave (I will do vkyc) branch is 20 steps away but I am afraid they will ask me jayadad ke papers for initial funding

 

[ashwinkashwink is verified member.]

I called HDFC cc and they told that if you open digisave you will get money back only
As i say I don't need money-back

(I want to get 400 wali pension)
They say u will have to open classic for that

Can anyone confirm what card I will get with digisave (I will do vkyc) branch is 20 steps away but I am afraid they will ask me jayadad ke papers for initial funding

You will easily get Millennia with Digisave Youth Account

 

[D₹V]

I called HDFC cc and they told that if you open digisave you will get money back only
As i say I don't need money-back

(I want to get 400 wali pension)
They say u will have to open classic for that

Can anyone confirm what card I will get with digisave (I will do vkyc) branch is 20 steps away but I am afraid they will ask me jayadad ke papers for initial funding

By default you'll get Moneyback but you can apply for millennia using banking app.

 

[Tejo]

By default you'll get Moneyback but you can apply for millennia using banking app.

Nope millennia DC only.

I think Moneyback dc discontinued for newbies*

Me and my friend got millennia only, branch staff too told you will get millennia card only.

 

[MrJJ]

I have preferred account with HDFC and my father has normal account. I was thinking of adding my father's account to my group and apply (upgrade) for Millennia Debit Card. Currently my father has Moneyback debit card.
I want to know, will there be any charges for the debit card upgrade, Moneyback -> Millennia (after adding account to preferred) ?
I know all the annual charges will be waived but will the upgrade charges will be waived or not?

 

[Tejo]

I have preferred account with HDFC and my father has normal account. I was thinking of adding my father's account to my group and apply (upgrade) for Millennia Debit Card. Currently my father has Moneyback debit card.
I want to know, will there be any charges for the debit card upgrade, Moneyback -> Millennia (after adding account to preferred) ?
I know all the annual charges will be waived but will the upgrade charges will be waived or not?

Actual millenia card itself a chargeable card even for preferred, due to some bug, some people are not charged.

It depends on HDFC Mood 🤣

 

[shash5252]

Is upgrading to preferred banking genuinely beneficial, or is it more of a marketing tactic? If I upgrade, will there be charges if I don't maintain the Minimum Average Balance (MAB)? Currently, I have a Millennia card, but the preferred banking upgrade mentions a platinum card, which I don't require(will i receive this if I upgrade?)

 

[MrJJ]

Is upgrading to preferred banking genuinely beneficial, or is it more of a marketing tactic? If I upgrade, will there be charges if I don't maintain the Minimum Average Balance (MAB)? Currently, I have a Millennia card, but the preferred banking upgrade mentions a platinum card, which I don't require(will i receive this if I upgrade?)

Nothing beneficial except some perks like no banking charges (annual maintenance, debit card, atm withdrawl, sms, chequebook, or any other misc. charges). Additionally you get some discount on loan processing fee and locker fee. You also get a personal banker whom you can call/whatsapp to ask something.

Annoying thing: Bank identified you as a wealthy customer so they try to sell policies, fds etc.

More details: https://www.hdfcbank.com/personal/save/high-networth-banking/premier-banking/preferred

 

[D₹V]

Nope millennia DC only.

I think Moneyback dc discontinued for newbies*

Me and my friend got millennia only, branch staff too told you will get millennia card only.

That's what he wanted na!

 

[D₹V]

I have preferred account with HDFC and my father has normal account. I was thinking of adding my father's account to my group and apply (upgrade) for Millennia Debit Card. Currently my father has Moneyback debit card.
I want to know, will there be any charges for the debit card upgrade, Moneyback -> Millennia (after adding account to preferred) ?
I know all the annual charges will be waived but will the upgrade charges will be waived or not?

Yes, he won't be charged ig

 

[Tejo]

will i receive this if I upgrade?

Nope they will upgrade dc only if you request so...

 

[shash5252]

Nope they will upgrade dc only if you request so...

The annual fee for millennia card will be waived off or is it only for platinum card?

 

[Roy_P]

My HDFC Millennia debit card hasn't credited the 1% cashback for wallet reloads. Additionally, the HDFC Bank app shows 0 reward points. Could someone please tell me when I can expect the cashback to be credited.

 

[ashwinkashwink is verified member.]

My HDFC Millennia debit card hasn't credited the 1% cashback for wallet reloads. Additionally, the HDFC Bank app shows 0 reward points. Could someone please tell me when I can expect the cashback to be credited.

It will come after 90 days